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Now onboarding design partners

Payments for AI agents, built on Africa's rails.

Give your agents an allowance, not your bank login.

  • Bank transfer
  • Mobile money
  • Airtime and data
  • Bill payments
Book a demo

Agent asks to pay

Every request is signed.

Checking rules
Monthly budget₦212,000 of ₦500,000
LimitHoursApproval

Allowance check

Budget, limits and approvals.

Signed
Checked
Settled
Recorded

Settled and recorded

Over the right rail, into the ledger.

The problem

Agents can do the work. They can’t pay for it safely.

Today there are two ways to let an agent pay. Neither works.

Agent using your bank login

Access
Whole account
Spending limit
None
Audit trail
None
Prompt injection
Money leaves
Dangerous

Hand over the bank login

Any amount, to anyone, at any hour. One prompt injection can empty the account.

Approvals inbox4

  • ₦32,000procurement-agentWaiting 3h 12m
  • KSh 500care-assistantWaiting 47m
  • GH₵2,400ops-agentSince 21:40
  • ₦8,500support-agentSince Friday
Slow

Approve every payment by hand

Every payment waits in an inbox. Your agent is only as fast as your slowest approver.

How it works

Fund. Set the allowance.
Let it pay.

  1. 1

    Fund

    Top up agent wallets in local currency, by bank transfer or card.

  2. 2

    Set the allowance

    Set each agent’s budget, limits and hours. Above your threshold, a person approves on WhatsApp, SMS or email.

  3. 3

    Let it pay

    Your agent calls the API or MCP tools. Solutio checks, routes and records every payment.

Product

One control layer between your agents and your money.

Wallets, rules, identity and records in one API. Licensed payment partners hold the funds.

African payout rails

Bank transfer, mobile money, airtime, data and bills. One API.

Agent wallets

A separate wallet for each agent or task, in local currency.

Allowance rules

Budgets, caps, allowlists, time windows and human approval above a threshold.

Know Your Agent (KYA)

A verified identity for every agent, tied to a verified business (KYB). Every request is signed.

Agent-aware fraud protection

Catches spending spikes, suspicious recipients and prompt injection. Freeze any agent instantly.

Accept payments from agents

Charge AI agents per request or per task, in local currency.

Ledger and reconciliation

Double-entry. Every line links to the agent, rule and task. Export-ready for finance.

Built for agent developers

REST API, webhooks, SDKs and an MCP server. Agents call pay as a tool.

Use cases

For teams putting agents to work.

Businesses deploying AI agents

  • Procurement agents paying suppliers
  • Support agents issuing refunds
  • Ops agents paying for fuel and logistics

AI assistant builders

  • Airtime and data top-ups
  • Electricity and cable bills
  • Within limits each user sets

API and data providers

  • Charge agents per call
  • Priced in local currency
  • No forced monthly subscriptions

Fintechs and platforms

  • Add agent payments to your product
  • Rules, KYA and audit trail built in
  • No controls to build from scratch

Developers

Three calls to your first agent payment.

Each response includes the approving rule, a fraud score and an audit log link.

  • REST APIPlain JSON over HTTPS.
  • Webhookspayment.settled approval.requested agent.frozen
  • SDKsTyped client libraries.
  • MCP serverAgents call pay as a tool.

POSThttps://api.solutio.dev/v1/payments

{
  "agent_id": "agt_456",
  "amount": 32000,
  "currency": "NGN",
  "rail": "bank_transfer",
  "recipient": { "account_ref": "rcp_789" },
  "reason": "Restock order #1042"
}

200 OK

{
  "id": "pay_7Hc2Qm",
  "status": "settled",
  "approved_by": {
    "allowance_id": "alw_901",
    "rule": "max_per_payment"
  },
  "fraud_score": 0.04,
  "audit_log_url": "https://api.solutio.dev/v1/audit/pay_7Hc2Qm"
}

Security and compliance

Know who paid, for whom, and why.

Every agent verified. Every request signed. Every payment logged.

  • KYB for every business
  • KYA for every agent
  • Signed requests
  • Licensed payment partners
  • Encrypted in transit and at rest
  • Full audit logs
  • Instant kill switch
  • No bank credentials for agents

Frequently asked questions

What is Solutio?

The payment, identity and spending-control layer for AI agents in Africa. Fund agent wallets in local currency, set the rules, and let agents pay through one API.

Is Solutio a bank?

No. We work through licensed payment partners, who hold and move the funds. Solutio is the software, control and identity layer on top.

Which countries and rails do you support?

We’re onboarding design partners, so tell us your markets and rails on the demo call. Book a demo

How do you stop an agent from overspending?

Each agent has an allowance: budget, per-payment cap, allowed recipients, active hours and an approval threshold. Anything outside the rules is declined. Agents can’t edit their own rules.

What happens if an agent is compromised?

It can still only spend inside its allowance. Fraud checks flag spending spikes, new recipients and prompt injection, and the kill switch freezes it instantly.

How do our agents connect to Solutio?

Through our REST API or MCP server. Webhooks tell you when a payment settles, needs approval or is blocked.

Your agents are ready to work. Give them an allowance.

Now onboarding design partners. Tell us what your agents pay for.

Book a demo